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10 years to clear £334K - our FIRE journey

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  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    That's a shame SH but they can be a nuisance in the bedroom! (cats in case anyone stumbles in at this point and hasn't read previous comments 😁)

    Quiet day, listed a pair of Boss mens trousers on Vinted which I'm hoping will sell. Also got 30-odd watchers on the £25 dress but I listed it before and had 50+ watchers and no serious offers so not holding my breath!

    Fire lit, had big lunch so won't need much for dinner tonight. Soup made during free electric using olio cauliflower and brie so virtually free. Will do for a couple of lunches.

    Managed to run DW, TD, heated floor, charge car for an hour, had a shower and washed hair (need shower on high for that, use eco for general shower) and cooked breakfast all on free time so happy with that. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How lovely on the free energy
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    OH has been paid today, my payday is tomorrow so updating spreadsheets. Looks like we will be down to £1k debt Vs savings which will be great.

    Front door and windows were fitted this week.  Can you spot the problem?

    it


  • KajiKita
    KajiKita Posts: 7,725 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    The ventilation cover is too close to the inside frame to be possible to open it? 

    Yes, those days sound amazing and I completely agree with both your thoughts 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The gig sounds amazing. 

    Aside from the window issue - is the rest of your doing up your house finished now or do you have further projects planned?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    The photos are not great quality but the glass is back to front so green frames outside have white Georgian bar showing and white frames inside have green Georgian bar. Trouble is they can't just swap the glass round as the frosting is on the wrong side as well.  

    @SH, still a fair bit to do.  We want to convert the downstairs toilet into a wet room and refurb the utility room, then replace all the rest of the windows in the house.  The conservatory is falling down so needs replacing.  Lastly it's rewire and decorate the three bedrooms.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry - that sounds really frustrating on the windows. 

    You are making me feel better about the spends on my house. Sounds like you have a lot to do too. Just sadly where I live if I spend much more I'm unlikely to recoup it... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Spent the afternoon with my ex colleague and soon to be new colleague who joins my team in January and it has energised me to know I will soon have someone I can rely on and bounce things off. 

    I have some great members in my team but they are all quite inexperienced so it will be so good to have someone bringing their own ideas.

    £10 Vinted sale paid off mortgage. 
  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Non working day, very productive so far. Two fans boxed up to go into loft, lots of tidying and sorting. Soup made with remaining half a BNS and some squishy red peppers with a 3 year OOD tin of coconut milk.

    Still left to do:

    Change the bed and put electric blanket on
    Clean the litter trays
    Clean and swap water fountains
    Move old TV to bedroom
    Box up MM items and book collection 

    OH has started process to apply for 9-day fortnight which would be great.

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